Senior Credit Analyst

AcWise Recruitment Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

AcWise Recruitment Limited seeks an experienced Credit Risk Manager to review and evaluate credit applications submitted by business units in Hong Kong. You will ensure compliance with underwriting standards, perform CRR and FRR, and report findings to senior management.

You will supervise junior staff, provide training, and support policy formulation to optimise risk exposure. Fluency in English and Chinese is required, and a strong financial analysis background is essential.

Qualifications

• Degree holder preferably in Finance and Accounting.
• At least 8 years' experience in credit risk management and analysis, including 5 years at supervisory level.
• ECF on Credit Risk Management (CRM) qualification is preferred.
• Strong financial and cash flow analysis skills.
• Excellent analytical, problem-solving and report-writing abilities.
• Knowledge of key credit risk indicators and economic factors affecting credit quality.
• Self-motivated, team player and able to meet tight deadlines.
• Proficient in both spoken and written English and Chinese.

Responsibilities

• Review and evaluate credit applications submitted by business unit. Collect and obtain relevant information and clarification for performing credit analysis. The analysis is to be submitted to Department Head and present to Loan Committee
• Check if credit application is in compliance with credit policies, General Underwriting Standards & other related guidelines
• Check and ensure correctness of financial spreading in Bualuang metrics conducted by business unit
• Conduct Credit Risk Rating (CRR) and review Facility Risk Rating (FRR) given by the business unit
• Participate in customer visits jointly with the business unit upon request of business unit
• Check the compliance of financial covenants upon receiving borrowers' financial statement from business unit and report the non-compliance to Department Head
• Conduct due diligence checking for local beneficiaries/buyers/suppliers of credit customers
• Prepare industries analysis and portfolio analysis
• Assist Department Head in training and management work
• Assist Credit Manager in formulating credit risk policy to optimise the risk exposure of the bank
• Supervise and provide guidance to junior staff
• Undertake any other ad-hoc assignments given by Department Head

Skills

Financial analysis

Cash flow analysis

Analytical skills

Problem-solving

English & Chinese bilingual

Education

Degree in Finance and Accounting

ECF CRM qualification (preferred)

Job description

• Review and evaluate credit applications submitted by business unit. Collect and obtain relevant information and clarification for performing credit analysis. The analysis is to be submitted to Department Head and present to Loan Committee
• Check if credit application is in compliance with credit policies, General Underwriting Standards & other related guidelines
• Check and ensure correctness of financial spreading in Bualuang metrics conducted by business unit
• Conduct Credit Risk Rating (CRR) and review Facility Risk Rating (FRR) given by the business unit
• Participate in customer visits jointly with the business unit upon request of business unit
• Check the compliance of financial covenants upon receiving borrowers' financial statement from business unit and report the non-compliance to Department Head
• Conduct due diligence checking for local beneficiaries/buyers/suppliers of credit customers
• Prepare industries analysis and portfolio analysis
• Assist Department Head in training and management work
• Assist Credit Manager in formulating credit risk policy to optimise the risk exposure of the bank
• Supervise and provide guidance to junior staff
• Undertake any other ad-hoc assignments given by Department Head

Requirements

• Degree holder preferably in Finance and Accounting
• At least 8 years' experience in credit risk management and analysis, including 5 years at supervisory level
• Enhanced Competency Framework (ECF) on Credit Risk Management (CRM) qualification is preferred
• Strong financial and cash flow analysis skills
• Good analytical, problem-solving and analysis report-writing skills
• Strong knowledge of key credit risk indicators and economic factors impacting credit quality
• Self-motivated, good team player and able to follow tight deadlines
• Proficient in both spoken and written English and Chinese